Products

Real Estate Investor Insurance

Available Nationwide

Make closing loans easier with lender-approved coverage options and competitive rates and deductibles

Examples of Typical Losses Rental Owners Face:

VACANT PROPERTY DAMAGE BY VANDALS

REI Resolution: Upon notification of the damage, will see to the claim being properly adjusted in a timely fashion so that the owner can receive the payout necessary to repair the home and make it rent-ready.

TENANT SLIPS AND FALLS ON FAULTY STEP

REI Resolution: Will pay initial medical damages incurred by the tenant. If bodily injury is significant and suit is threatened, coverage will offer defense and protection from potential damaging settlement that could threaten the entirety of the investor’s business.

Who benefits from this product

Real Estate Investor (REI) insurance is ideal for investors with five or more properties in their portfolio who are looking to protect their properties with a single policy.

REI allows for the addition and deletion of homes from the portfolio during the year on the inforce contract with premium (both additional and return) calculated to the day of the change.

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Coverage Highlights

Property Classes

Guidelines

Target classes

1-4 unit dwellings
Small habitational
Condo units
Light commercial

Ineligible classes

Condo associations
Restaurants / Taverns / Bars

Property

Liability

Special perils coverage form

Commercial General Liability coverage

Replacement cost coverage – no coinsurance

Per property aggregate

Includes coverage for loss of rents and business personal property when requested

Additional coverage for losses due to pools, pets and other generally excluded perils available

Property Limits up to $2 Million, per property
(actual coverage is for stated limit of each property)

Basic limits include $1 million per occurrence, $2 million general aggregate, and $5,000 med pay

Deductibles ranging from $2,500 to $25,000
(With separate deductibles for losses due to wind and hail)

The information we have requested is critical to providing you with an accurate quote. Once we receive your completed application, we will carefully review and follow up with questions if necessary. If you have any questions please contact us at 619.597.1188.